Wells Fargo Active Cash
Visa cash back card with no annual fee. Earns 2% on everything else.
Terms read from Wells Fargo's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Purchase APR
- 18.74% to 28.74%
- Intro APR on purchases
- 12 months
- Intro APR on balance transfers
- 12 months
Rewards
- 2% on everything else
Earns cash back.
Not confirmed
- Foreign transaction fee and balance transfer fee aren't on the card page.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $336 | $236 | $809 | Month 1 |
| Family | $904 | $804 | $2,512 | Month 1 |
| Frequent traveller | $1,031 | $931 | $2,894 | Month 1 |
Frequently asked questions
Is the Wells Fargo Active Cash worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $904 in year 1 and $804 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Wells Fargo Active Cash welcome bonus?
$100 after $500 in purchases in the first 3 months.
Does the Wells Fargo Active Cash charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
What isn't counted in its value?
The intro rate applies to balance transfers made within 120 days.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.